24044 Cedar Rapids Rd, Punta Gorda, FL 33955 Property Records

Charlotte County property record for 24044 Cedar Rapids Rd, Punta Gorda, FL 33955

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,134 sqft · built 2024
Lot Size	0.232 acres (10,132 sqft)
Owner	2 Individual Names on Record
Last Sale	$40,000 (Jul 2022)
Tax Bill	$5,606 (2025)
Deeds & Mortgages	Oct 2025 Transfer Sep 2022 Construction Loan + 1 more
Flood Zone	Zone AE (high risk)
APN	`42-23-31-356-001`

Property Details

APN / Parcel Number

Primary APN	`42-23-31-356-001`
Alternative APNs	`0095262-228340-9` `10004731198`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	9 Rooms
Stories	1 Story
Building Area	2,134 sqft Living Area
Gross Area	3,345 sqft
Flooring	Covered

Exterior

Year Built	Built 2024
Foundation Type	Slab (Mat/Raft)
Lot Area	10,132 sqft (0.232 acres)
Driveway	Driveway
Driveway Area	1,092 sqft
Lawn Sprinklers	Lawn Sprinklers

Utilities, Heating & Cooling

Cooling System	HVAC
Heating System	Forced Air

Location & Zoning

Account Number	10004731198
Old Parcel Number	00952622283409
Street Address	24044 CEDAR RAPIDS RD
City	PUNTA GORDA
State	FL
Zip	33955-4670
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	RSF3.5
Legal Description	PGI 021 0948 0020 PUNTA GORDA ISLES SEC21 BLK948 LT20 713/826 DC1278/319-MJ CC2301/1673 2301/1683 5025/2158 L/
Legal Range	23E
Legal Township	42S
Legal Section	31
Legal Subdivision	PUNTA GORDA ISLES
Legal Block	948
Legal Lot Number	20
Jurisdiction	CHARLOTTE FL
Township / Civil Division	PUNTA GORDA
Census Block Group	1
Census Block	1039
Census Tract	10506

Owner

Source: Charlotte County records, as of December 10, 2025

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	2 Individual Names on Record
Co-owner	Co-owner on Record
Mailing Address	24044 CEDAR RAPIDS RD, PUNTA GORDA, FL 33955-4670
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Oct 10, 2025	Intrafamily Transfer, Transfer ATTORNEY ONLY, ATTORNEY
Sep 26, 2022	Deed of Trust, Mortgage · Construction Mortgage LAKE MICHIGAN CU
Jul 28, 2022	Warranty Deed, Transfer CAPE CORAL TITLE, CAPE CORAL TTL INS AGCY INC

Assessor's Deed Record

Deed Names	3 Names on Deed
Last Sale	Jul 28, 2022 · Amount on Record
Deed Sale	Jul 28, 2022 · Amount on Record
Prior Sale	Jul 28, 2022 · Amount on Record
Deed Document Number	0050252158
Deed Book / Page	5025 / 2158
Last Transfer Date	Oct 10, 2025
Transfer Doc	0003576829
Record Updated	Jun 8, 2026

October 2025: Intrafamily Transfer, Transfer

Document Type	Intrafamily Transfer
Jurisdiction	CHARLOTTE FL
Recording Date	Oct 10, 2025
Property Address	24044 CEDAR RAPIDS RD, PUNTA GORDA, FL 33955-4670
Document Number	0003576829
Map Reference	MB 13 PG 1-A-1-Z-21
Instrument Date	Oct 7, 2025
Instrument	3576829
Transaction Type	Transfer
Record Updated	Oct 30, 2025
Title Company	ATTORNEY ONLY, ATTORNEY

Transaction

Tax	$0.00
Amount Accuracy	No Consideration Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name
Address	24044 CEDAR RAPIDS RD, PUNTA GORDA, FL 33955-4670

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	24044 CEDAR RAPIDS RD, PUNTA GORDA, FL 33955-4670

September 2022: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	CHARLOTTE FL
Property Address	24044 CEDAR RAPIDS RD, PUNTA GORDA, FL 33955-4670
Transaction Type	Mortgage
Record Updated	Oct 27, 2022

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9709 GLENHOPE RD, PHILADELPHIA, PA 19115-2909

Mortgage

Document Number	0050530285
Date	Sep 26, 2022
Book Page	5053/285
Instrument	3154512

Lender

Name	LAKE MICHIGAN CU
Type	Credit Union
Address	GRAND RAPIDS, MI 49501

Agreement

Type	Construction Mortgage
Amount	Amount Recorded
Term	373 Months
Due	Oct 1, 2053

Interest

Rate Type	Adjustable Rate
Rate	5.87%
Type Change Date	Oct 1, 2030
Change Frequency	Annually
Min Rate At Change	2.75%
Max Rate At Change	10.8%
Index	1-Year CMT
Max Rate	10.8%

July 2022: Warranty Deed, Transfer

Document Type	Warranty Deed
Jurisdiction	CHARLOTTE FL
Recording Date	Jul 28, 2022
Property Address	24044 CEDAR RAPIDS RD, PUNTA GORDA, FL 33955-4670
Document Number	0050252158
Book / Page	5025 / 2158
Map Reference	MB 13 PG 1-A-1-Z-21
Instrument Date	Jul 25, 2022
Instrument	3133483
Transaction Type	Transfer
Record Updated	Aug 12, 2022
Title Company	CAPE CORAL TITLE, CAPE CORAL TTL INS AGCY INC

Transaction

Amount	Amount Recorded
Tax	$280.00
Amount Accuracy	Rounded by County
Additional	Arm's Length

Transferred From (Grantor/Seller)

Name	Verified Name
Address	21900 93RD PL W, 21900, EDMONDS, WA 98020-3912

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	9709 GLENHOPE RD, PHILADELPHIA, PA 19115-2909

Tax Assessment & Valuation

Source: Charlotte County assessment roll, as of July 1, 2025

Property Jurisdictions

Type	Name
State	Florida
County	Charlotte County
Unified School District	Charlotte County School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2025	$5,606.00 (+502.15%) Homeowner's exemption	$411,622 (+1,110.65%)	$500,587 (+1,151.47%) Land $40,000 Building $460,587
2024	$931.00 (-0.96%)	$34,000 (-)	$40,000 (-) Land $40,000
2023	$940.00 (+40.93%)	$34,000 (+17.65%)	$40,000 (+38.41%) Land $40,000
2022	$667.00	$28,900 Land $28,900	$28,900 Land $28,900

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective September 28, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	9.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 432 individual policies
Community Rating System	Class 5 (25% premium discount)
Nearby Flood Policies	448 units insured incl. 16 condo units
Nearby Flood Claims	131 (2017–2024)
Most Recent Claim	Oct 2024 · Hurricane Milton
Claims by Event	Hurricane Milton, Oct 2024 · 80 claims Hurricane Helene, Oct 2024 · 34 claims Hurricane Ian, Oct 2022 · 9 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 64% of the US · lower than 90% of Florida
Wildfire Likelihood	0.05% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CHARLOTTE COUNTY UTILITIES serves 173,820 people · EPA ID FL5084100
Water Source	Purchased surface water from several systems
Last State Inspection	Jun 2025
Lead	10 ppb (2023) action level 15 ppb

Violations Reported to EPA

Water Quality	Total trihalomethanes resolved · Apr 2025
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 67 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Xfinity Cable	2,000 / 250
BridgeMAXX Suncoast Broadband Fixed Wireless	100 / 20

May also be available: Hotwire Communications, T-Mobile, Verizon.

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